*Membership eligibility required. Your interest rate and term will be determined by your credit qualifications and make and model of your vehicle. Floor rate of 4.99% APR applies. AEFCU will finance any year model that is currently financed with another lender, with at least 12 months of consecutive payments (no late payments on the vehicle you are refinancing). LTV =<115% NADA Loan Value.  Minimum Loan amount is $7,500.  Must set up auto draft to take advantage of special rate reduction offer. If you have collateral and no current loan, or below the minimum loan amount, we will review the loan based on the current policy. This offer good on vehicles not currently financed with AEFCU. Offer may change or be withdrawn at any time.